It appears that I will be travelling to Europe twice in the next three months. My first trip is a multi-country tour by car with eldest bear cub visiting France, Switzerland, Germany, Belgium and Holland. My second being a vaguely hatched plan for a cycle tour in Holland.

I need some travel insurance to cover both trips, cycling, cycle touring and a bit of strolling around some foothills of big mountains must not be excluded activities. I will not be venturing up said mountains.

Noted from this forum some time ago http://www.cyclosure.co.uk/get-a-quote/ where cycling is normal and they cover competitive events as well. I have yet to use them but certainly will look at them in the future.

After spending money on travel insurance for the last 15 years and never having a claim I did a search for the cheapest. Moneysupermarket came up with EHICPlus Expand Travel Insurance at £29.95 for the annual policy. So I have gone with them and saved myself over £100 compared to the CTC policy.

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My Royalties account with RBS includes travel insurance. I don't know about cycle touring as I haven't cycled with it. It is possible to buy extra cover to bolt on as I did for health related to my pre-existing MS.

We're covered by Trailfinders for our extended tour, because 1. they cover cycling as non-incidental, 2. our 12 month single trip policy can be extended from abroad (very, very rare in insurance policies) and 3. I am covered for asthma for an additional premium of £12.

I did some extensive research before we left, and the following companies are worth looking into. It is best to ring them and explain exactly what you need, rather than buying online:

Check the T&C closely though - I was covered by the Post Office and when I missed a flight was not covered due to cycling to the airport, you have to prove you have gone by an "approved method" and aimed to arrive 2 hours in advance. Another colleague was too ill to travel and found she wasn't covered for a weekend trip as they had to be min. of 3 days (that was the Lloyds TSB Silver Account thrown-in policy - c***s). So be careful.

The M&S travel insurance is worth looking at. We've got an annual policy that covers cycle racing, motorcycle touring and skiing. Their website lets you add in/take out lots of different activities and see the price change. Cycle racing only cost a few pounds and getting that option saves me any discussion about whether or not an audax is a race.

Neither of my standard no fee current accounts include travel insurance. I'm not sure whether there is an element within either of my credit cards but I'm sure taht I'd need to buy the tickets with the card(s) to qualify IIRC from my time in the cc industry. As I am not directly responsible for buying for either of my upcoming trips this will not apply.

As things stand I have a pleasant evening on Thursday ahead wading through the options.